VA Mortgage Loans
VA loans are mortgages guaranteed by the U.S. Department of Veterans Affairs, designed exclusively for eligible veterans, active-duty service members, and surviving spouses. These loans offer some of the most favorable terms in the mortgage industry, including no down payment options, competitive interest rates, and no monthly mortgage insurance.
Why Choose VA Loans?
Discover the advantages that make VA loans a great choice for Texas homebuyers.
No down payment required in most cases
No monthly mortgage insurance premium
Competitive interest rates, often lower than conventional loans
Limited closing costs (with some fees the seller must pay)
More flexible credit requirements than conventional loans
No prepayment penalties
Can be used multiple times throughout your life
Eligibility Requirements
See if you qualify for a VA loan with these requirements.
Service Requirements
- 90 consecutive days of active service during wartime
- 181 days of active service during peacetime
- 6 years of service in the National Guard or Reserves
- Spouses of service members who died in the line of duty or from a service-connected disability
Financial Requirements
- Minimum credit score typically around 580-620 (varies by lender)
- Certificate of Eligibility (COE) showing you qualify for the VA loan benefit
- Debt-to-income ratio typically up to 41% (can be higher with compensating factors)
- Steady income sufficient to cover mortgage payments
- Home must be your primary residence
Property Requirements
- Property must meet VA minimum property requirements
- Home must be appraised by a VA-approved appraiser
- Property must be your primary residence
- Can be a single-family home, condo in a VA-approved project, or a multi-unit property (up to 4 units if you live in one unit)
Your Path to Homeownership
We'll guide you through every step of the VA loan process.
Obtain Certificate of Eligibility
We'll help you obtain your Certificate of Eligibility (COE) which verifies to the lender that you are eligible for a VA loan.
Pre-Approval
Get pre-approved to understand how much you can borrow and strengthen your offer when home shopping.
Find a Home
Work with a real estate agent to find a home that meets VA property standards and falls within your budget.
VA Appraisal
Once under contract, a VA-approved appraiser will assess the property to ensure it meets minimum property requirements and determine its value.
Underwriting
Our team reviews your application, military service documentation, income verification, credit, and the property appraisal.
Closing
After final approval, you'll attend closing to sign documents, pay any required closing costs, and receive the keys to your new home.
Obtain Certificate of Eligibility
We'll help you obtain your Certificate of Eligibility (COE) which verifies to the lender that you are eligible for a VA loan.
Pre-Approval
Get pre-approved to understand how much you can borrow and strengthen your offer when home shopping.
Find a Home
Work with a real estate agent to find a home that meets VA property standards and falls within your budget.
VA Appraisal
Once under contract, a VA-approved appraiser will assess the property to ensure it meets minimum property requirements and determine its value.
Underwriting
Our team reviews your application, military service documentation, income verification, credit, and the property appraisal.
Closing
After final approval, you'll attend closing to sign documents, pay any required closing costs, and receive the keys to your new home.
Frequently Asked Questions
Get answers to common questions about VA loans.
The VA funding fee is a one-time payment that helps offset the cost of the VA loan program to taxpayers. The fee ranges from 1.4% to 3.6% of the loan amount, depending on your down payment, type of military service, and whether it's your first VA loan. Veterans with service-connected disabilities may be exempt from the funding fee.
Ready to Get Started?
Our VA loan specialists are here to help you every step of the way. Start your pre-approval online.
Real clients. Real closings.
What borrowers say about working with Dustin. Every review is five stars.
★★★★★
“As a first-time home buyer, Dustin was super helpful and very good at explaining the answers to all of my questions. He took my calls and texts at any time of day. Even on closing day he showed up and made me feel calm and assured as we signed.”
Michael R.
Purchase · closed April 2026 · Client review
★★★★★
“We had an excellent experience during our refinance. The entire process was smooth, efficient, and incredibly fast. Everything was explained clearly and communication was great. Dustin and his team truly made refinancing stress-free.”
Jacqueline C.
Refinance · closed January 2026 · Client review
★★★★★
“We want to thank Dustin for going out of his way at all times. Every question we had, he answered and broke down so we had a better understanding. Thank you for all your hard work and for helping us reach our goal of becoming homeowners.”
Vicente R.
Purchase · closed March 2026 · Client review
★★★★★
“Dustin was great to work with — very available, attentive, knowledgeable, professional, and he got things wrapped up in a timely manner. I would highly recommend Dustin for your loan needs. Thanks, Dustin!”
Dawn G.
Purchase · closed February 2026 · Client review
Buying a home in Kyle, Buda or Hays County?
Dustin is also a real estate agent with The Allan Home Group, the Compass team he runs with Kristin Allan. Their local guides cover neighborhoods, costs and the buying process: